Jak obliczyć ratę kredytu?

Rata miesięczna zależy od kwoty kredytu, oprocentowania i okresu spłaty. Użyj kalkulatora kredytu, by obliczyć ratę, odsetki i całkowity koszt.

Jakie stawki ryczałtu przy najmie prywatnym uwzględnia kalkulator?

Kalkulator zakłada ryczałt zgodny z aktualnymi zasadami, ale stawki i progi mogą się zmieniać — przed użyciem sprawdź obowiązujące wartości.

Czy kalkulator opłacalności wynajmu odejmuje koszty od podatku?

Nie, przy ryczałcie podatek liczony jest od przychodu, bez odliczania kosztów.

Czy wynik kalkulatora oznacza pełną rentowność inwestycji?

Nie. To szybka estymacja podatku i netto; pełna rentowność wymaga analizy kosztów finansowania, pustostanów i utrzymania.

Rental yield calculator (investment)

Is renting profitable: income, lump‑sum tax under current rates, costs and net result.

How does the calculator work?

For landlords (private rental): enter annual rental income and indicative costs. Tax is calculated under ryczałt: 8.5% up to 100,000 PLN income, 12.5% on the excess. Under ryczałt costs do not reduce tax — they are for comparison only (income − costs). Private rental from 2023 is taxed only under ryczałt.

Ryczałt rates on rental

• Up to 100,000 PLN income per year — 8.5%
• Excess over 100,000 PLN — 12.5%
• Private rental taxed under ryczałt only (from 2023).

Examples

• Income 60,000 PLN/year → tax 8.5% = 5,100 PLN, net 54,900 PLN. • Income 120,000 PLN → 8.5% on 100,000 (8,500 PLN) + 12.5% on 20,000 (2,500 PLN) = 11,000 PLN tax, net 109,000 PLN. • Under ryczałt costs are not deducted from tax — net result is income minus tax.

FAQ

Why ryczałt only?: From 2023, income from private rental (letting a flat without running a business) is taxed only under ryczałt. You cannot choose the tax scale for private rental alone.
What are the ryczałt rates on rental?: Up to 100,000 PLN income per year — 8.5%; on the excess over 100,000 PLN — 12.5%. The 100,000 PLN threshold applies to total rental income (e.g. jointly for spouses).
Can I deduct costs from tax?: Under ryczałt on private rental you do not deduct costs from income — tax is calculated on total income. Costs in the calculator are for illustration only (income − costs = indicative "income").
Rental as a business — other options?: If you run rental as a business, you can choose the tax scale, flat tax or ryczałt. Then you can deduct costs (under scale/flat). This calculator is for private rental (ryczałt).

Legal basis

As of: 2026-02-01.

Legal information

Calculations are for information and estimation only. They do not constitute legal, tax or other professional advice. For individual matters, consultation with a lawyer, tax adviser or other specialist is recommended.

Legal basis

Lump-sum tax act. Calculator is indicative; not tax advice.